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Business Funding for Construction & Contractors

Equipment loans, working capital, and project financing to keep your jobs running. Subject to lender approval.

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No Obligation
No Collateral
2-Minute App
15+
Products
94%
Approval Rate
48 hrs
Avg. Funding Time
1,800+
Contractors Funded

Why Construction & Contractors Businesses Choose Slate Financial

Construction businesses face unique cash flow challenges — you buy materials and pay crews upfront, but do not get paid until milestones are hit or jobs are completed. Slate Financial bridges the gap with fast working capital, equipment financing, and project-based funding designed for general contractors, subcontractors, and specialty trades.

Common Challenges

Long payment cycles (60-90 days) after project completion
Big equipment purchases require major upfront capital
Seasonal slowdowns leave crews without work or pay
Material costs have skyrocketed in recent years
Banks move too slowly for time-sensitive project bids

How We Help

Equipment financing with with flexible terms
Lines of credit to bridge cash flow between payments
Fast working capital to stock materials for new jobs
Revenue-based funding that scales with your project load
PO factoring to finance large purchase orders upfront

Common Funding Needs

What Construction & Contractors Businesses Use Capital For

Heavy equipment purchases (excavators, loaders, cranes)
Bridging cash flow between project milestones
Material and supply purchasing for new projects
Payroll coverage during seasonal slowdowns
Fleet vehicle financing and maintenance

Recommended Products

Best Funding Options for Construction & Contractors

Matched to your industry's unique needs and cash flow patterns

Equipment Lending

Subject to lender approval
Subject to lender approval

Finance new or used equipment with flexible terms up to 84 months.

Up to 100% financing New & used equipment Terms up to 84 months
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Lines of Credit

Subject to lender approval
Subject to lender approval

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand Revolving credit Only pay interest on what you use
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Term Loans

Subject to lender approval
Subject to lender approval

Fixed-rate business term loans with predictable payments and clear terms for established businesses.

Fixed monthly payments 1–5 year terms AI-matched lenders
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Merchant Cash Advance

Subject to lender approval
Subject to lender approval

Fast working capital based on your future sales, with minimal paperwork, subject to funder approval.

Approval based on revenue, not credit No fixed monthly payments Fast decisions
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Purchase Order Factoring

Subject to lender approval
Subject to lender approval

Turn your purchase orders into immediate cash — finance up to 100% of your PO value.

Up to 100% PO financing No debt added to balance sheet Scales with your business
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How It Works

Get Funded in Three Simple Steps

STEP 01

Apply Online

Complete our simple 2-minute application. No paperwork, no hidden fees.

STEP 02

Get Matched & Approved

Our team matches you with strong-fit products for your industry through a fast, AI-matched process, subject to lender approval.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account, subject to lender approval.

Why Slate Financial

Built to Get You Funded

AI-Powered Underwriting

We match your profile to the right capital fast, with no guesswork.

Licensed in All 50 States

Nationwide coverage so we can fund businesses wherever you operate.

15+ Loan Products

From lines of credit to commercial real estate, matched to your needs.

Fast, Streamlined Process

Move quickly once you're approved, without drawn-out paperwork. Funding is subject to lender approval.

We Never Sell Your Data

Your information stays with us and is used only to fund your business.

50
States licensed
AI
Lender matching
15+
Products
6,000+
Capital sources

FAQ

Construction & Contractors Funding Questions

Get Funded for Your Construction & Contractors Business

Join thousands of construction & contractors businesses that trust Slate Financial. Apply in 2 minutes. Fast, AI-matched process, subject to lender approval.

No Obligation
No Collateral Required
Fast Decisions
Start Your Application Find My Loan Match